When all the States gold & silver was confiscated during 1933 / 1934, by executive order by Roosevelt (Rosenfeld), the benefit was that each person became a banker. The banks are a means to access your own credit.

What happens at a bank, is fraud. As long as fraud has a remedy, it's been allowed to continue. The ignorance of how the 'borrower' signs the Note, is what causes their own hardship.

That is no different than the maxim 'every man must be his own physician'. Ignorance towards medicine and the law is what causes the hardship.

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Everyone is treated equally, as an emacipated slave - a U.S. Citizen. Something dreamt up, not without basis, by Congress to define a slave without a master.

Considering how your average NPC or Karen behaves today, 'U.S. Citizen', a term illuminated through the 14th Amendment, is appropriate.

A slave with liberty to walk about, does not have self-governance. He does not have the self-governance to be a soveriegn, let alone a man.

Human, a colorable half-man, half-beast, is the term popularized for those that resemble men by their most raw, basic physical attributes.